Mortgage lenders in New York, county by county
231,331 mortgages were made in New York in 2025, across 62 counties. Each county page lists every lender that lent there, ranked by how many loans it made, with the median rate its borrowers got and how often it said no.
| County | Lenders | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|---|
| Suffolk County | 379 | 26,408 | 6.625% | $415,000 | 25.1% |
| Nassau County | 347 | 19,225 | 6.625% | $485,000 | 27.6% |
| Erie County | 304 | 16,228 | 6.580% | $195,000 | 20.5% |
| Monroe County | 260 | 15,921 | 6.750% | $155,000 | 18.3% |
| Queens County | 340 | 13,998 | 6.624% | $495,000 | 29.0% |
| Kings County | 368 | 12,897 | 6.500% | $685,000 | 27.8% |
| Westchester County | 345 | 12,210 | 6.624% | $455,000 | 22.2% |
| Onondaga County | 258 | 8,764 | 6.650% | $155,000 | 19.5% |
| New York County | 301 | 7,521 | 6.125% | $755,000 | 20.1% |
| Orange County | 292 | 7,180 | 6.875% | $295,000 | 24.6% |
| Albany County | 226 | 5,656 | 6.490% | $205,000 | 21.6% |
| Richmond County | 254 | 5,382 | 6.625% | $435,000 | 24.6% |
| Dutchess County | 273 | 5,064 | 6.605% | $255,000 | 24.0% |
| Saratoga County | 224 | 4,898 | 6.375% | $235,000 | 21.3% |
| Rockland County | 262 | 4,849 | 6.875% | $455,000 | 23.4% |
| Bronx County | 257 | 3,990 | 6.750% | $505,000 | 33.2% |
| Niagara County | 180 | 3,894 | 6.500% | $155,000 | 22.0% |
| Oneida County | 182 | 3,752 | 6.500% | $145,000 | 23.6% |
| Schenectady County | 183 | 3,225 | 6.500% | $195,000 | 24.3% |
| Rensselaer County | 190 | 3,088 | 6.490% | $185,000 | 21.8% |
| Ulster County | 226 | 3,041 | 6.750% | $255,000 | 25.4% |
| Broome County | 196 | 2,919 | 6.750% | $125,000 | 23.9% |
| Ontario County | 160 | 2,413 | 6.875% | $165,000 | 17.1% |
| Oswego County | 154 | 2,251 | 6.750% | $125,000 | 20.9% |
| Wayne County | 132 | 2,022 | 6.750% | $125,000 | 20.4% |
| Jefferson County | 137 | 1,984 | 6.500% | $165,000 | 20.1% |
| Putnam County | 205 | 1,878 | 6.625% | $305,000 | 21.9% |
| Steuben County | 133 | 1,685 | 6.500% | $105,000 | 18.8% |
| Chautauqua County | 146 | 1,656 | 6.750% | $115,000 | 24.8% |
| Sullivan County | 218 | 1,638 | 6.999% | $255,000 | 26.6% |
| Chemung County | 126 | 1,394 | 6.500% | $105,000 | 22.0% |
| Warren County | 155 | 1,255 | 6.500% | $205,000 | 23.3% |
| Madison County | 130 | 1,246 | 6.625% | $145,000 | 20.3% |
| Cayuga County | 140 | 1,226 | 6.625% | $125,000 | 21.8% |
| Columbia County | 174 | 1,160 | 6.624% | $245,000 | 25.7% |
| Tompkins County | 133 | 1,122 | 6.375% | $215,000 | 19.0% |
| Livingston County | 106 | 1,096 | 6.745% | $135,000 | 18.9% |
| Herkimer County | 126 | 1,043 | 6.500% | $115,000 | 25.1% |
| Greene County | 176 | 988 | 6.625% | $225,000 | 26.1% |
| Washington County | 130 | 987 | 6.500% | $185,000 | 27.0% |
| Genesee County | 118 | 927 | 6.625% | $135,000 | 23.5% |
| St. Lawrence County | 118 | 898 | 6.669% | $115,000 | 25.0% |
| Fulton County | 128 | 893 | 6.625% | $135,000 | 26.1% |
| Clinton County | 118 | 891 | 6.875% | $175,000 | 21.5% |
| Cattaraugus County | 125 | 888 | 6.750% | $125,000 | 25.0% |
| Montgomery County | 132 | 832 | 6.622% | $155,000 | 27.5% |
| Tioga County | 115 | 821 | 6.750% | $125,000 | 22.3% |
| Otsego County | 133 | 818 | 6.625% | $135,000 | 24.4% |
| Orleans County | 103 | 718 | 6.625% | $120,000 | 25.4% |
| Chenango County | 115 | 697 | 6.575% | $105,000 | 27.9% |
| Wyoming County | 92 | 667 | 6.625% | $125,000 | 23.9% |
| Cortland County | 103 | 647 | 6.500% | $135,000 | 23.4% |
| Delaware County | 146 | 639 | 6.625% | $155,000 | 30.0% |
| Essex County | 125 | 552 | 6.625% | $185,000 | 23.0% |
| Schoharie County | 113 | 535 | 6.500% | $155,000 | 26.4% |
| Allegany County | 93 | 528 | 6.900% | $105,000 | 27.0% |
| Seneca County | 102 | 513 | 6.750% | $125,000 | 22.6% |
| Lewis County | 82 | 462 | 6.625% | $115,000 | 22.9% |
| Yates County | 80 | 416 | 6.750% | $165,000 | 15.3% |
| Franklin County | 92 | 380 | 6.750% | $155,000 | 24.6% |
| Schuyler County | 82 | 310 | 6.750% | $135,000 | 22.1% |
| Hamilton County | 75 | 145 | 6.750% | $185,000 | 24.2% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.